We signed up for one job: your team.

Three things guide us: independence (we don't sell one insurer's product – we choose from the market), straight talk (we translate the fine print into human language) and lifted burden (from quote requests to the employee briefing, we carry the process).

Who is behind it?

Emánuel Dávid Tukacs – founder, lead advisor

I started as an independent insurance intermediary in 2009, and my first, still defining professional lesson was not about sales but about policy conditions. I read every contract letter by letter before recommending it, and only closed deals with clients who, knowing the full picture, still said: this is what I want. That has been the foundation of my work ever since.

Over the years I covered the entire insurance palette: from household property through fleets and liability to corporate programmes – including such rarities as co-developing a daily-rate carsharing casco framework with an insurer, a novel idea at the time. Today I manage more than 1,100 active contracts across 20 categories with 19 insurers (9 of which offer group health insurance) – and that breadth is what lets me go truly deep in one narrow field.

Since 2016 I have worked as Eurorisk Biztosítási Alkusz Kft.'s contracted, MNB-registered intermediary (registration number: 114063010758) – the brokerage mandate agreement is concluded with Eurorisk Kft.

Why group health insurance, of all things?

Because this is the cover that gives back the most. In private care there is typically an available appointment within days, in clean clinics, in dignified conditions – and starting the work-up earlier often makes a real difference. And with a serious illness, treatment started in time is not a comfort issue: it can save years, sometimes a life.

Above a suitable headcount and entry ratio, several insurers offer acceptance without risk assessment – though waiting periods and exclusions for pre-existing conditions can vary by cover and by insurer. Something you simply cannot get with individual policies – and past a certain age this is not fine print, it's treasure.

Three principles I hold myself to

• Conditions first, signature second. I read letter by letter, explain in plain language – and only close what the client wants with the full picture in view.
• Thoroughness is not an extra – it's the baseline. Precise administration matters to me – it's why colleagues ask me for advice and why clients stay.
• I step in where I truly matter. The routine is simple: there is a contact list for claims, and the renewal index letter reaches you first – if it's fair, nothing to do. But when the index is bad, a case gets stuck or a claim is disputed: I help however I can, drawing on my network.

In stuck cases where I helped, the insurer has on several occasions granted an ex-gratia payment (ranging case by case from several hundred thousand to several million forints) – the ex-gratia decision, however, always rests with the insurer's discretion, and no outcome can be guaranteed.

Those who know the trade best bring their own here

• My former mentor – today an executive at one of the largest competing brokerages – entrusts his own and his family's policies to me. There is hardly a more precise professional endorsement.
• The words colleagues use most about me: precise. Thorough. Follows through.
• Many of my clients simply open with: "You choose – I trust you."
• We have also won a tender against one of the world's largest international brokerage houses – not with connections, but with a better-built package tailored to the client. That company is still our client today.

Outside the office, a semi-feral cat chose me as a flatmate – she has had the final word ever since. 🐈

Strong backing: Eurorisk

Behind this site stands Eurorisk Biztosítási Alkusz Kft.: operating since 1993, fully Hungarian-owned, a defining player of the domestic independent brokerage market, with a nationwide office network and a broad community of contracted brokers.

For you this means three things. First: decades-long, balanced partnerships with the insurers – as a respected brokerage partner, we can liaise in an orderly way when we act on your instructions. Second: national backing and service capacity paired with the flexibility of a single advisor. Third: institutional safeguards – Eurorisk operates with a licence from the Hungarian National Bank, carries the statutory liability insurance, and has been a member of the Association of Independent Insurance Brokers of Hungary since 1993.